Watercraft Insurance Products

Michigan is packed full of beautiful lakes. What better way to spend your weekend than out cruising around on one of them? Because we’re surrounded by water, all of our agencies specialize in watercraft coverage. Whether you trailer a Wave Runner or race to Mackinaw in your sailboat, we offer a variety of policies to suit your needs. You will find some useful information about the different watercraft insurance policies available here, but please don’t hesitate to call and let us know about your unique situation. We love talking boats!

Watercraft Insurance Series:

Yacht

We can insure any size yacht, whether it has a sail or it’s a powerboat. Some boats qualify to be covered under Homeowners Insurance policies, which can make it more cost effective. Trailers can also be included on the policies and special coverage for expensive electronic equipment and personal property, like fishing equipment. Special towing coverage is available for breakdowns, running out of fuel and dead batteries, which can be expensive if you don’t have the right coverage.Something to think about: Propulsion coverage protects outdrives from physical damage losses.

PWC

There’s a risk of personal watercraft getting damaged in auto accidents on the way to the lake. For that reason, they can either go on Homeowners Insurance or we can write a special PWC policy. Towing coverage is also available to help protect you against being stranded due to breakdowns, running out of fuel and dead batteries.Something to think about: ­Keep in mind that because PWCs are getting faster, the liability risk is increasing, especially when pulling tubers or skiers.

Sailboat

From a little Sunfish to a large catamaran, we can write coverage for any size sailboat. We can even do ­special coverage for sails and personal property coverage for personal effects kept on your boat.Something to think about: With “named storm” coverage available, we can cover you whether you are sailing the great lakes or the caribbean.

Racing Sailboat

­Whether you race in the Port Huron to Mackinac or just in your sail clubs weekly race, we can insure your racing sailboat. We also represent companies who have programs for sailboats used in competitive racing. We even have coverage available for special race specific electronics and equipment.Something to think about: A standard yacht policy will most likely exclude racing.